6-K 1 dp219855_6k-01.htm FORM 6-K

 

美国

 

证券交易委员会
华盛顿特区20549

 

表格6-K

 

根据第13a条-16或外国发行人报告

根据1934年证券交易法第13a-16或第15d-16条的规定，外国私人发行人的报告

 

2024年10月

委员会档案号码: 001-15002

 

印度工业信贷投资银行 有限公司
(注册人名称之英文翻译)

 

印度工业信贷投资银行大厦，
班德拉-库拉综合商业区
孟买，印度 400 051
（主要执行办公室的地址）

 

请打勾表示公司是否提交或将提交
20-F表格或40-F表格附件中的年度报告。

 

表格 20-F  X     表格 40-F    

 

 

 

目录

 

物品：  
   
1. 其他资讯。
2. 2024年9月30日止季度和六个月的未经审核财务业绩（独立和合并）
3. 有限审阅报告
4. 新闻公告
5. 附件

   

 

 

其他资讯

 

 

主题：2024年10月26日董事会议决议结果

 

 

伊本

印度工业信贷投资银行有限公司 （以下简称“银行”）第6-K表格报告

 

该银行已向印度股票交易所作出以下公告：

根据2015年SEBI（上市义务和披露要求）条例的第30、33、52（4）和其他适用规定，我们写信通知您，印度工业信贷投资银行有限公司（该银行）董事会在今天举行的会议上，批准了截至2024年9月30日的季度和六个月的未经审计的财务结果（单独和合并）。现随函附上以下内容：

 

a.截至2024年9月30日止季度和六个月的未经审计的财务业绩（独立和合并）；

 

b.b S R & Co. LLP会计师事务所和C N k & Associates LLP会计师事务所，作为银行对应期间的联合法定稽查员，针对未经审计的财务结果（自结和合并）发行了有限审核报告；以及

 

c.2024年9月30日止季度及六个月未经审核的财务业绩新闻发布。

 

董事会亦批准将Vipul Agarwal先生纳入高级管理人员类别，并立即生效。根据修订后的SEBI上市规则第30条读作A段的A部份，读作SEBI公告号SEBI/HO/CFD/CFD-PoD-1/P/CIR/2023/123日2023年7月13日提供的详细内容载于附件中。

 

请将上述信息记录。

 

 

 

 
冰雪奇 银行有限公司
辛-L65190 吉 1994 普尔茨 021012
已注册 办公室: ICICI 银行塔，靠近查克利圈，瓦多达拉老帕德拉路-390 007，古吉拉特， 电话: 0265-6722239
企业 办公室： 孟买班德拉库尔拉综合大楼 ICICI 银行大厦-400 051, 马哈拉施特拉, 电话: 022-4008 8900
 网站： www.易西银行网站， 电子邮件: companysecretary@icicibank.com
 
独立财务业绩

(₹ 以千万为单位)

先生 编号。 详情 三个 月结束。 六个月结束 年度 结束
九月
30, 2024
(Q2-2025)		 六月
30, 2024
(Q1-2025)		 九月
30, 2023
(Q2-2024)		 九月
30, 2024
(H1-2025)		 九月
30, 2023
(H1-2024)		 3月
31, 2024
(财政年度2024)
(未经查核) (未经查核) (未经查核) (未经查核) (未经查核) （已经接受审计）
1. 利息收入 (a)+(b)+(c)+(d)            40,537.38           38,995.78            34,920.39             79,533.16            68,248.00          142,890.94
  a) 放款/票据利息/折扣            31,426.45           30,108.54            27,118.87             61,534.99            52,963.02          110,943.93
  b) 投资收入               8,311.33              8,156.58               7,020.31             16,467.91            13,638.31            28,630.99
  c) 印度储备银行余额利息和其他银行间资金利息                  517.11                 443.00                  494.34                  960.11                  907.04               1,791.39
  d) 其他                  282.49                 287.66                  286.87                  570.15                  739.63               1,524.63
2. 其他收益1               7,176.66              7,001.92               5,776.68             14,178.58            11,211.93            22,957.77
3. 总收入 (1)+(2)            47,714.04           45,997.70            40,697.07             93,711.74            79,459.93          165,848.71
4. 支付的利息            20,489.40           19,442.87            16,612.48             39,932.27            31,713.63            68,585.22
5. 营业费用 (e)+(f)            10,501.46           10,529.99               9,855.32             21,031.45            19,377.91            39,132.73
  e) 员工成本               4,136.14              4,370.51               3,725.42               8,506.65               7,609.08            15,141.99
  f) 其他营业费用               6,365.32              6,159.48               6,129.90             12,524.80            11,768.83            23,990.74
6. 总支出不含提备与条款 (4)+(5)            
             30,990.86           29,972.86            26,467.80             60,963.72            51,091.54          107,717.95
7. 营业利润（减提备与条款前） (3)–(6)            16,723.18           16,024.84            14,229.27             32,748.02            28,368.39            58,130.76
 
8. 提备（除税项外）和应变措施               1,233.09              1,332.18                  582.63               2,565.27               1,875.07               3,642.93
9. 税前业务收益净额，不包括例外项目和税款（7）-（8）            15,490.09           14,692.66            13,646.64             30,182.75            26,493.32            54,487.83
10. 非常项目 .. .. .. .. .. ..
11. 税前业务收益净额（9）-（10）            15,490.09           14,692.66            13,646.64             30,182.75            26,493.32            54,487.83
12. 税款支出（g）+（h）               3,744.21              3,633.55               3,385.64               7,377.76               6,584.12            13,599.56
  g) 当期税收               3,306.43              3,326.56               3,246.52               6,632.99               6,383.89            12,050.65
  h) 递延税款                  437.78                 306.99                  139.12                  744.77                  200.23               1,548.91
13. 税后业务收益净额（11）-（12）            11,745.88           11,059.11            10,261.00             22,804.99            19,909.20            40,888.27
14. 特殊条款（税收支出净额） .. .. .. .. .. ..
15. 净利润在此期间为（13）-（14）            11,745.88           11,059.11            10,261.00             22,804.99            19,909.20            40,888.27
16. 已实收的普通股资本（每股面值为2卢比）               1,409.45              1,407.45               1,400.83               1,409.45               1,400.83               1,404.68
17. 储备金，不包括重新评估储备          253,396.45         247,987.56          210,508.56           253,396.45          210,508.56          232,505.97
18. 分析比率            
  i) 印度政府持有的股份百分比 0.22% 0.22% 0.21% 0.22% 0.21% 0.22%
  ii) 资本适足率（巴塞尔III） 15.35% 15.96% 16.07% 15.35% 16.07% 16.33%
  iii) 每股收益（EPS）            
    a) 基本EPS在税后特殊项目之前和之后，扣除税费（非年度数字）（以卢比计）                    16.68 15.73 14.66 32.42 28.46 58.38
    b) 稀释每股收益在非常条款之前和之后，扣除税项（非年化）（以印度卢比计算）                    16.40 15.46 14.40 31.86 27.96 57.33
19. 不良资产比率2            
  i) 总的非履约客户资产（除去核销）            27,121.15           28,718.63            29,836.94             27,121.15            29,836.94            27,961.68
  ii) 净不良资产               5,685.14              5,684.79               5,046.47               5,685.14               5,046.47               5,377.79
  iii) 非履约客户资产中（扣除核销）占总客户资产的百分比 1.97% 2.15% 2.48% 1.97% 2.48% 2.16%
  iv) 净不良资产占净客户资产的百分比 0.42% 0.43% 0.43% 0.42% 0.43% 0.42%
20. 资产报酬率（年化） 2.40% 2.36% 2.41% 2.38% 2.40% 2.37%
21. 净值3          250,418.12         244,448.42          204,617.01           250,418.12          204,617.01          227,933.46
22. 优先赎回股 .. .. .. .. .. ..
23. 资本赎回储备                  350.00                 350.00                  350.00                  350.00                  350.00                  350.00
24. 债务-权益比4                      0.27                     0.27                      0.30                       0.27                      0.30                      0.30
25. 总负债除以总资产5 6.30% 6.35% 6.79% 6.30% 6.79% 6.68%

 

1. 在2024财年，银行已将积累的涉及关闭银行离岸银行单位SEEPZ孟买的339.66亿卢比的汇兑损失，根据会计准则11-外汇汇率变动效应，转入损益账户。
2. 截至2024年9月30日，毛不良债权（减值净额）占毛债权的比例为2.04%（2024年6月30日：2.25%，2024年3月31日：2.26%，2023年9月30日：2.55%），净不良债权占净债权的比例为0.45%（2024年6月30日：0.46%，2024年3月31日：0.45%，2023年9月30日：0.45%）。
3. 净值根据储备银行总圆通知号 RBI/2015-16/70 DBR.No.Dir.BC.12/13.03.00/2015-16 关于2015年7月1日暴露规范计算得出。净资产还包括可供出售（‘AFS’）准备金。
4. 债务代表剩余期限超过一年的借款。
5. 总债务代表银行的全部借款。
6. 请参考附注查看综合业绩后的说明。

 

 

     

 

 

 

 

摘要独立财务报表

 

（单位：亿卢比）
项目 在阿莫斯莱斯金融创立于1894年6月29日，现在已经为人们自信地面对他们未来的财务事业提供了130年的帮助。
九月
30, 2024		 六月
30, 2024		 三月
31, 2024		 九月
30, 2023
(未经审计) (未经审计) （经过审计） (未经审计)
资产 和负债                                  
资本                                 1,409.45 1,407.45 1,404.68 1,400.83
员工期权/单位未结算                   1,650.74 1,516.12 1,405.32 1,078.01
储备和盈余                           256,479.80 251,070.91 235,589.32 213,570.08
存款                                 1,497,760.67 1,426,149.46 1,412,824.95 1,294,741.72
借款（包括次级债）                   124,492.93 120,146.85 124,967.58 116,758.02
其他负债和准备金                       95,064.64 92,406.30 95,322.73 93,230.90
总资产 资产和负债                         1,976,858.23 1,892,697.09 1,871,514.58 1,720,779.56
                                           
资产                                        
现金和印度储备银行存款余额                 89,101.67  80,438.97 89,711.70 66,221.19
银行及开空部位的余额             47,696.98  30,224.07 50,214.31 43,240.51
投资                               479,098.46  475,255.60 461,942.27 413,253.09
预付款项                               1,277,240.43 1,223,154.27 1,184,406.39 1,110,542.14
固定资产                               11,545.62  11,101.40 10,859.84 10,165.93
其他                               72,175.07  72,522.78 74,380.07 77,356.70
资产总额                               1,976,858.23 1,892,697.09 1,871,514.58 1,720,779.56

 

 

现金流量表

 

（₹以亿为单位）

项目   期间 结束
九月
30, 2024
(H1-2025)		 三月
31, 2024
(FY2024)		 九月
30, 2023
(H1-2024)
(未经审计) （经过审计） (未经审计)
经营活动产生的现金流量/(使用)        
税前利润/（亏损）   30,182.75 54,487.83 26,493.32
         
调整项:        
折旧和摊销费用   1,062.05 1,722.87 800.10
投资净升值/折旧   (1,308.88) 1,565.28 471.19
为不良资产和其他资产的准备   3,014.21 944.79 842.68
标准资产一般准备   283.20 1,154.83 844.75
应付平仓损失和其他储备   (102.63) 854.51 328.79
员工期权支出   407.73 702.83 355.69
         
子公司和合营企业收入   (1,435.34) (2,072.90) (939.58)
固定资产出售的（利润）/ 损失   (4.10) (14.33) (7.50)
  (i) 32,098.99 59,345.71 29,189.44
         
调整项:        
投资的增加/减少   36,849.47 (38,885.23) (25,712.82)
预付款的增加/减少   (95,848.24) (166,104.10) (91,746.52)
存款的增加/减少   84,935.72 231,984.25 113,901.03
其他资产的增加/减少   747.90 (3,656.25) (5,885.24)
其他负债和准备金的增加/减少   (511.31) 10,057.33 7,920.32
  (ii) 26,173.54 33,396.00 (1,523.23)
         
退款/付款 直接税款 (iii) (6,320.75) (11,085.11) (4,112.57)
经营活动产生的净现金流量(净额)(i)+(ii)+(iii) (A) 51,951.78 81,656.60 23,553.64
投资活动产生的现金流量(净额)        
子公司赎回/售出（包括申购款）投资收益   (1,388.49) (2,823.93) ..
子公司和合营企业收入   1,435.34 2,072.91 939.58
购买固定资产   (1,937.10) (2,874.78) (1,492.96)
固定资产出售收益   41.05 54.48 36.55
持有至到期投资有价证券的（购买）/出售   (46,348.48) (59,077.44) (25,681.71)
投资活动的净现金流量 (B) (48,197.68) (62,648.76) (26,198.54)
筹资活动的现金流量        
股本发行收益（包括员工持股计划）   803.25 1,170.87 624.91
从长期借款中获得的收益   16,050.80 29,284.07 7,902.08
偿还长期借款   (18,452.11) (32,033.91) (15,928.66)
短期借款的净收益/偿还   1,732.45 8,253.42 5,625.32
派发股息   (7,041.27) (5,598.60) (5,598.60)
筹资活动产生的净现金流量 (C) (6,906.88) 1,075.85 (7,374.95)
汇兑变动对翻译准备金的影响 (D) 25.42 404.05 43.28
         
现金及现金等价物净增加/(减少)
(A) + (B) + (C) + (D)		   (3,127.36) 20,487.74 (9,976.57)
         
期初/年初现金及现金等价物   139,926.01 119,438.27 119,438.27
期末/年末现金及现金等价物   136,798.65 139,926.01 109,461.70

 

1. 现金及现金等价物包括现金、外币票据、储存在印度储备银行的余额、储存在其他银行的余额以及看涨和开空的资金。

 

 

     

 

 

 

分段报告

 

（₹以亿为单位）

序号 项目 截至三个月结束时 截至2022年6月30日的六个月 年度完结
九月
30, 2024
(Q2-2025)		 6月
30, 2024
(Q1-2025)		 九月
30, 2023
(Q2-2024)		 九月
30, 2024
(H1-2025)		 九月
30, 2023
(H1-2024)		 三月
31, 2024
(2024财年)
(未经审计) (未经审计) (未经审计) (未经审计) (未经审计) （经过审计）
1. 业务收入    
a 零售银行 38,750.86 37,378.46 33,080.02 76,129.32 64,137.23 134,547.57
b 批发银行业务 20,388.83 19,392.15 17,383.77 39,780.98 33,452.90 71,780.22
c 国库 33,579.54 32,647.36 27,859.08 66,226.90 54,164.19 113,959.22
d 其他银行业务 1,254.38 690.26 727.96 1,944.64 1,572.15 3,297.30
  总部门营业收入 93,973.61 90,108.23 79,050.83 184,081.84 153,326.47 323,584.31
  减：同业收入 46,259.57 44,110.53 38,353.76 90,370.10 73,866.54 157,735.60
  营业利润 47,714.04 45,997.70 40,697.07 93,711.74 79,459.93 165,848.71
2. 各业务板块的业绩（即税前利润）    
a 零售银行 5,556.19 4,239.07 4,895.97 9,795.26 9,074.60 18,849.17
b 批发银行业务 5,197.53 4,912.07 4,670.00 10,109.60 8,749.70 19,971.71
c 国库 4,603.39 5,473.58 3,966.92 10,076.97 8,329.05 14,898.40
d 其他银行业务 132.98 67.94 113.75 200.92 339.97 768.55
  所有业务板块的总业绩 15,490.09 14,692.66 13,646.64 30,182.75 26,493.32 54,487.83
3. 分部资产  
a 零售银行 778,247.73 747,392.84 668,057.40 778,247.73 668,057.40 719,313.62
b 批发银行业务 502,717.35 491,263.38 463,638.43 502,717.35 463,638.43 482,456.10
c 国库 644,803.85 616,608.50 550,912.76 644,803.85 550,912.76 628,256.14
d 其他银行业务 46,368.30 32,396.38 30,867.69 46,368.30 30,867.69 34,891.44
e 未分配 4,721.00 5,035.99 7,303.28 4,721.00 7,303.28 6,597.28
  总部门资产 1,976,858.23 1,892,697.09 1,720,779.56 1,976,858.23 1,720,779.56 1,871,514.58
4. 分割负债    
a 零售银行 1,063,337.34 1,027,261.28 940,334.15 1,063,337.34 940,334.15 1,019,845.49
b 批发银行业务 494,981.27 455,949.98 416,050.16 494,981.27 416,050.16 456,571.53
c 国库 138,508.93 135,128.50 129,456.51 138,508.93 129,456.51 137,386.24
d 其他银行业务 7,390.70 6,707.73 5,126.69 7,390.70 5,126.69 6,212.00
e 未分配 13,100.00 13,655.12 13,763.13 13,100.00 13,763.13 13,100.00
  部门总负债 1,717,318.24 1,638,702.61 1,504,730.64 1,717,318.24 1,504,730.64 1,633,115.26
5. 资本投入 259,539.99 253,994.48 216,048.92 259,539.99 216,048.92 238,399.32
6. 总计(4)+(5) 1,976,858.23 1,892,697.09 1,720,779.56 1,976,858.23 1,720,779.56 1,871,514.58

 

 

 

 

     

 

 

 

分段成果说明：

 

1. 关于细分报告的披露是根据印度证券交易委员会(SEBI) 2016年7月5日发布的关于金融报表修订格式和实施印度会计准则的循环通知CIR / CFD / FAC / 62/2016制定的。
   
2. “零售银行”包括银行符合《银行监督委员会国际资本测量和资本标准国际收敛修订框架》中针对零售交易的定向、产品、细分和个别交易低价值的四个标准的银行业务。该业务板块还包括信用卡、借记卡、第三方产品分销及相关费用所产生的收益。
   
  印度国家银行的《基本报表-呈现和披露》主要指导方针要求将“零售银行”细分为 (a) 数字银行（根据印度银行业数字银行部创建的数字银行单位在2022年4月7日的循环中定义）和 (b) 其他零售银行细分。因此，零售银行板块的分部结果如下：

 

（单位：亿卢比）
  序号 项目 业务收入 分段结果 分部资产 分割负债
  Q2-2025        
    零售银行   38,750.86 5,556.19 778,247.73 1,063,337.34
  (i) 数字银行业务 10,051.48 1,492.86 140,009.42 201,963.08
  (ii) 其他零售银行业务   28,699.38 4,063.33 638,238.31 861,374.26
  Q1-2025        
    零售银行   37,378.46 4,239.07 747,392.84 1,027,261.28
  (i) 数字银行业务 9,294.03 1,187.22 135,195.54 192,709.03
  (ii) 其他零售银行业务 28,084.43 3,051.85 612,197.30 834,552.25
  Q2-2024        
    零售银行 33,080.02 4,895.97 668,057.40 940,334.15
  (i) 数字银行业务 7,644.09 1,162.52 99,513.41 161,717.18
  (ii) 其他零售银行业务 25,435.93 3,733.45 568,543.99 778,616.97

 

3. 批发银行业务包括银行对信托、合伙企业、公司和法定机构的所有贷款，这些贷款没有包含在零售银行中。
   
4. “资金管理”主要包括银行的全部投资和衍生产品组合。
   
5. “其他银行业务”包括租赁业务和非特定业务板块的其他项目。
   
6. “未分配”包括诸如预缴税净额、递延税收和到实体层面计算的拨备等项目。

 

 

     

 

 

 

合并财务报表结果

 

(₹以亿为单位)
序号 项目 截至三个月结束时 截至2022年6月30日的六个月 年度完结
九月
30, 2024
(Q2-2025)		 6月
30, 2024
(Q1-2025)		 九月
30, 2023
(Q2-2024)		 九月
30, 2024
(H1-2025)		 九月
30, 2023
(H1-2024)		 三月
31, 2024
(2024财年)
(未经审计) (未经审计) (未经审计) (未经审计) (未经审计) （经过审计）
1. 利息收入（a）+（b）+（c）+（d） 46,325.78 44,581.65 38,938.08 90,907.43 76,043.97 159,515.92
  a) 预支/汇票利息/贴现 33,140.75 31,755.59 28,501.06 64,896.34 55,588.75 116,589.78
  b) 投资收益 11,929.93 11,665.69 9,279.96 23,595.62 18,111.01 38,107.07
  c) 印度储备银行余额和其他银行间基金的利息 836.46 717.74 699.56 1,554.20 1,281.77 2,649.88
  d) 其他 418.64 442.63 457.50 861.27 1,062.44 2,169.19
2. 其他收入 (e)+(f) 26,616.77 22,688.41 18,354.18  49,305.18 33,332.29 76,521.80
  e) 保险业务的保费和其他营业收入 16,779.41 13,567.06 10,679.21 30,346.47 18,376.20 45,852.81
  f) 其他 9,837.36 9,121.35 7,674.97 18,958.71 14,956.09 30,668.99
3. 总收入 (1)+(2) 72,942.55 67,270.06 57,292.26 140,212.61 109,376.26 236,037.72
4. 利息支出 22,225.30 21,121.62 17,908.01 43,346.92 34,275.67 74,108.16
5. 营业费用 (g)+(h)+(i) 30,838.91 28,071.16 23,911.01 58,910.07 43,967.68 97,782.79
  g) 员工成本 5,993.19 6,165.85 4,662.23 12,159.04 9,473.56 19,171.98
  h) 支付的赔偿和与保险业务相关的其他费用 17,341.60 14,646.67 11,888.21  31,988.27 20,394.84 50,260.12
  i) 其他营业费用 7,504.12 7,258.64 7,360.57 14,762.76 14,099.28 28,350.69
6. 不包括预备和应急情况的总支出（4） + （5） 53,064.21 49,192.78 41,819.02 102,256.99 78,243.35 171,890.95
 
7. 预备和应急情况前的营业利润（3）-（6） 19,878.34 18,077.28 15,473.24 37,955.62 31,132.91 64,146.77
 
8. 预备金（除税外）和应急情况 1,381.88 1,315.89 649.01 2,697.77 1,994.05 3,712.41
9. 税前普通业务利润（7）-（8） 18,496.46 16,761.39 14,824.23 35,257.85 29,138.86 60,434.36
10. 非常事项 .. .. .. .. .. ..
11. 加：对联营公司收益的份额 45.19 56.87 335.45 102.06 586.49 1,073.77
12. 税前及少数股权者权益(9) - (10) + (11)的经营利润 18,541.65 16,818.26 15,159.68 35,359.91 29,725.35 61,508.13
13. 税费支出（j）+（k） 4,635.66 4,355.45 3,808.82 8,991.11 7,360.04 15,427.62
  j) 应交税费 4,214.41 4,094.74 3,638.50 8,309.15 7,146.07 13,693.30
  k) 递延税 421.25 260.71 170.32 681.96 213.97 1,734.32
14. 少数股东损益分配 958.22 766.97 454.73 1,725.19 833.06 1,824.14
15. 净利润=（12）-（13）-（14） 12,947.77 11,695.84 10,896.13 24,643.61 21,532.25 44,256.37
16. 非常项目（税后） .. .. .. .. .. ..
17. 期间净利润（15）-（16） 12,947.77 11,695.84 10,896.13 24,643.61 21,532.25 44,256.37
18. 实收股本（面值2卢比） 1,409.45 1,407.45 1,400.83 1,409.45 1,400.83 1,404.68
19. 除重新估价准备外的储备 - 266,675.48 226,314.47 - 226,314.47 250,222.56
20. 每股收益（EPS）        -    
  净利润扣除税前和税后非常规项目的基本每股收益（未年化）（以卢比计） 18.39 16.64 15.57 35.03 30.79 63.19
  净利润扣除税前和税后非常规项目的摊薄后每股收益（未年化）（以卢比计） 18.05 16.32 15.27 34.36 30.19 61.96

 

 

摘要综合平衡表

 

（单位：亿卢比） 

项目 在阿莫斯莱斯金融创立于1894年6月29日，现在已经为人们自信地面对他们未来的财务事业提供了130年的帮助。
九月
30, 2024		 六月
30, 2024		 自三月十四日以来，一些俄罗斯公司的投资价值已被公平计算为零。
31, 2024		 九月
30, 2023
(未经审计) (未经审计) （经过审计） (未经审计)
所有权益和负债        
资本 1,409.45 1,407.45 1,404.68 1,400.83
员工期权/单位在外 1,650.74 1,516.12 1,405.32 1,078.01
储备和盈余 277,026.44 269,786.39 253,333.84 229,405.37
少数股东权益 15,586.37 14,396.84 13,888.42 7,203.63
存款 1,529,513.61 1,456,732.61 1,443,579.95 1,325,252.62
借款（包括次级债） 219,760.55 206,033.29 207,428.00 189,709.79
保单持有人的所有基金类型 306,679.41 295,381.31 281,318.33 259,349.87
其他负债和准备金 164,884.99 162,140.81 161,704.49 111,449.63
总资本和负债 2,516,511.56 2,407,394.82 2,364,063.03 2,124,849.75
         
资产        
现金和在印度储备银行的余额 89,198.99 80,506.78 89,943.02 66,269.76
银行及开空部位的余额 75,185.64 54,002.68 ;72,825.88 62,832.19
投资 874,760.49 857,793.87 827,162.51 715,263.84
预付款项 1,360,046.48 1,303,045.56 1,260,776.20 1,182,108.54
固定资产 14,254.27 13,663.27 13,240.28 11,657.62
其他 100,155.51 95,472.48 97,640.98 86,616.47
在合并财务报表中的商誉 2,910.18 2,910.18 2,474.16 101.33
总资产 2,516,511.56 2,407,394.82 2,364,063.03 2,124,849.75

 

     

 

 

 

合并现金流量表

 

（单位：亿卢比）
项目   期末
九月
30,2024
(H1-2025)		 三月
31,2024
(财年2024)		 九月
30,2023
(H1-2024)
(未经审计) （经过审计） (未经审计)
经营活动产生的现金流量/(所用现金)        
税前利润/（亏损）   33,634.72 59,683.99 28,892.29
         
调整原因：        
折旧和摊销费用   1,289.85 1,995.89 718.03
投资净升值/折旧   (1,719.26) 1,617.20 544.08
为不良资产和其他资产的准备   3,044.57 963.57 912.46
标准资产一般准备   425.50 1,165.85 845.42
应付平仓损失和其他储备   (94.59) 878.02 338.00
固定资产出售的（利润）/ 损失   5.02 (14.41) (7.49)
员工股票期权支出   407.73 702.91 355.73
  (i) 36,993.54 66,993.03 32,598.52
         
调整原因：        
投资的增加/减少   21,634.25 16,735.53 (61,307.31)
预付款的增加/减少   (102,314.85) (178,264.68) (99,161.23)
存款的增加/减少   85,933.66 232,993.01 114,420.47
其他资产的增加/减少   (3,139.44) 1,881.88 (1,174.66)
其他负债和准备金的增加/减少   14,351.08 30,289.32 19,941.38
  (ii) 16,464.70 103,635.06 (27,281.35)
         
直接税款的退款/付款 (iii) (8,359.11) (13,343.60) (5,114.50)
经营活动产生的现金流量净额（i）+（ii）+（iii） (A) 45,099.13 157,284.48 202.67
投资活动现金流入/(流出)        
购买固定资产   (2,789.67) (3,678.54) (1,887.32)
固定资产出售收益   42.62 69.89 39.66
持有至到期投资证券的买入/卖出   (46,687.44) (142,322.44) (1,624.00)
投资活动产生的净现金流量 (B) (49,434.49) (145,931.09) (3,471.66)
筹资活动中的现金流量        
股本发行收益（包括员工持股计划）   803.25 1,170.87 624.91
从长期借款中获得的收益   21,673.28 39,196.82 13,217.32
偿还长期借款   (22,077.10) (39,146.88) (19,730.64)
短期借款的净收益/偿还   12,542.00 18,142.30 7,327.24
派发股息   (7,041.27) (5,598.60) (5,598.60)
筹资活动产生的净现金流量 (C) 5,900.16 13,764.51 (4,159.77)
汇率波动对翻译储备的影响 (D) 50.93 423.44 74.22
         
现金及现金等价物的净增加/(减少)
(A) + (B) + (C) + (D)		   1,615.73 25,541.34 (7,354.54)
         
财务期间/年初的现金及现金等价物   162,768.90 136,456.49 136,456.49
添加：印度ICICI Lombard综合保险有限公司和I-Process Services（India）私人有限公司作为合并中的子公司期间/年度内   - 771.07 -
财务期间/年末的现金及现金等价物   164,384.63 162,768.90 129,101.95

 

1. Cash and cash equivalents include cash in hand, foreign currency notes, balances with RBI, balances with other banks and money at call and short notice.

 

 

     

 

 

 

 

合并分部业绩

 

（单位：亿卢比）
序号 项目 截至三个月结束时 截至2022年6月30日的六个月 年度完结
九月
30, 2024
(Q2-2025)		 6月
30, 2024
(Q1-2025)		 九月
30, 2023
(Q2-2024)		 九月
30, 2024
(H1-2025)		 九月
30, 2023
(H1-2024)		 三月
31, 2024
（2024财年）
(未经审计) (未经审计) (未经审计) (未经审计) (未经审计) （经过审计）
1. 业务收入            
a 零售银行 38,750.86 37,378.46 33,080.02 76,129.32 64,137.23 134,547.57
b 批发银行业务 20,388.83 19,392.15 17,383.77 39,780.98 33,452.90 71,780.22
c 国库 33,563.89 32,651.54 27,718.83 66,215.43 54,024.35 113,701.83
d 其他银行业务 2,075.55 1,497.42 1,497.57 3,572.97 3,064.20 6,403.40
e 人寿保险 13,888.43 11,335.68 13,413.14 25,224.11 23,350.83 54,236.13
f 普通保险 6,546.95 6,175.57 .. 12,722.52 .. 1,895.81
g 其他 5,184.30 4,436.39 3,287.17 9,620.69 6,416.95 14,036.87
  该板块的总营业收入 120,398.81 112,867.21 96,380.50 233,266.02 184,446.46 396,601.83
  减：同业收入 47,456.26 45,597.15 39,088.24 93,053.41 75,070.20 160,564.11
  营业利润 72,942.55 67,270.06 57,292.26 140,212.61 109,376.26 236,037.72
2. 各业务板块的业绩（即税前利润和少数股东权益）  
a 零售银行 5,556.19 4,239.07 4,895.97 9,795.26 9,074.60 18,849.17
b 批发银行业务 5,197.53 4,912.07 4,670.00 10,109.60 8,749.70 19,971.71
c 国库 4,587.70 5,477.73 3,826.64 10,065.43 8,189.15 14,640.88
d 其他银行业务 306.75 314.13 323.65 620.88 755.31 1,638.40
e 人寿保险 286.36 260.23 248.31 546.59 456.79 923.23
f 普通保险 919.03 773.99 .. 1,693.02 .. 220.47
g 其他 2,164.03 1,683.11 1,367.63 3,847.14 2,712.03 6,009.70
  总部门结果 19,017.59 17,660.33 15,332.20 36,677.92 29,937.58 62,253.56
  减：分部间调整 521.13 898.94 507.97 1,420.07 798.72 1,819.20
  加：合营企业利润份额 45.19 56.87 335.45 102.06 586.49 1,073.77
  税前利润和少数股东利益 18,541.65 16,818.26 15,159.68 35,359.91 29,725.35 61,508.13
3. 分部资产  
a 零售银行 778,247.73 747,392.84 668,057.40 778,247.73 668,057.40 719,313.62
b 批发银行业务 502,717.35 491,263.38 463,638.43 502,717.35 463,638.43 482,456.10
c 国库 645,790.96 617,563.37 556,107.71 645,790.96 556,107.71 634,054.80
d 其他银行业务 99,697.42 85,504.40 85,485.62 99,697.42 85,485.62 89,305.62
e 人寿保险 326,637.20 313,150.94 276,072.97 326,637.20 276,072.97 298,795.29
f 普通保险 67,534.00 65,696.63 .. 67,534.00 .. 62,831.70
g 其他 103,293.30 95,096.58 79,509.73 103,293.30 79,509.73 87,996.61
h 未分配 5,373.78 5,439.56 7,409.61 5,373.78 7,409.61 7,571.17
  总费用 2,529,291.74 2,421,107.70 2,136,281.47 2,529,291.74 2,136,281.47 2,382,324.91
  减：分部间调整 12,780.18 13,712.88 11,431.72 12,780.18 11,431.72 18,261.88
  总部门资产 2,516,511.56 2,407,394.82 2,124,849.75 2,516,511.56 2,124,849.75 2,364,063.03
4. 分割负债  
a 零售银行 1,063,337.34 1,027,261.28 940,334.15 1,063,337.34 940,334.15 1,019,845.49
b 批发银行业务 494,981.27 455,949.98 416,050.16 494,981.27 416,050.16 456,571.53
c 国库 164,916.99 160,318.98 145,118.41 164,916.99 145,118.41 166,411.24
d 其他银行业务 54,914.98 54,147.38 54,431.14 54,914.98 54,431.14 55,134.33
e 人寿保险 315,258.92 302,050.71 265,576.06 315,258.92 265,576.06 287,991.47
f 普通保险 53,159.31 52,402.27  .. 53,159.31  .. 50,358.96
g 其他 89,536.30 83,024.16 69,541.69 89,536.30 69,541.69 76,768.05
h 未分配 13,100.00 13,242.98 13,345.66 13,100.00 13,345.66 13,100.00
  总费用 2,249,205.11 2,148,397.74 1,904,397.27 2,249,205.11 1,904,397.27 2,126,181.07
  减：分部间调整 12,780.18 13,712.88 11,431.72 12,780.18 11,431.72 18,261.88
  各部门负债合计 2,236,424.93 2,134,684.86 1,892,965.55 2,236,424.93 1,892,965.55 2,107,919.19
5. 资本运营 280,086.63 272,709.96 231,884.20 280,086.63 231,884.20 256,143.84
6. 总和（4）+（5） 2,516,511.56 2,407,394.82 2,124,849.75 2,516,511.56 2,124,849.75 2,364,063.03

 

分段成果说明：

 

1. 分段报告披露是按照印度证券交易委员会(SEBI) 2016年7月5日发布的《财务状况调整格式和上市公司执行印度准则的通知》Circular No. CIR/CFD/FAC/62/2016进行编制的。
   
2. '零售银行'包括银行满足巴塞尔银行监督委员会文件《资本测量和资本标准国际一致性框架：修订版》中针对零售业务定向、产品、细分和个别敞口价值低等四个条件的银行敞口。该板块还包括来自信用卡、借记卡、第三方产品分销和相关成本等方面的收入。
   
3. '批发银行'包括银行对于信托、合伙企业、公司和法定机构未被纳入零售业务的所有贷款。
   
4. '资金管理'主要包括银行的全部投资和衍生品组合。
   
5. '其他银行业务'包括租赁业务和未归属于银行任何特定业务板块的其他项目。此外，它还包括银行的银行子公司，即印度工业信贷投资银行和印度工业信贷投资银行加拿大分行。
   
6. '人寿保险'代表印度ICICI普瑞生命保险公司。
   
7. “一般保险”代表的是印度工业信贷投资银行洛巴德一般保险有限公司。
   
8. '其他'包括未涵盖在上述任何板块中的银行的合并实体。
   
9. '未分配'包括预付税款净额、递延税款以及在实体层面计算的拨备等项目。

 

 

     

 

 

 

独立和合并财务报告的注释

 

1.

董事会已于2024年10月26日召开的会议上批准了上述独立和合并财务业绩。联合法定审计师已对2025年第2季度和2025年上半年的独立和合并财务业绩进行了有限审查，并发布了一份无保留意见报告。

 

2.

根据《会计准则第25号：“中期财务报告”（‘AS 25’）》中规定的确认和计量原则，根据2013年公司法第133条规定，1949年银行法的相关规定，印度储备银行（“RBI”）不时颁发的通函、指导方针和指导，2002年《印度保险监管和发展局》（‘IRDAI’）《保险公司财务报表和审计报告的编制规则》（‘IRDAI准则’）适用于保险主体的相关会计准则以及其他印度普遍公认的会计准则，并且在境外司法管辖区的情况下，适用一般公认的会计准则，并遵守印度证券交易委员会证券交易委员会（SEBI）2015年《上市义务和披露要求》（“SEBI条例”）附录33和附录52（4）以及附录63的表述和披露要求。该财务基础已得到修订，包括SEBI不时发布的相关通函。

 

3. 2024年9月30日实施的《针对Covid-19相关压力的解决方案框架》下实施的决议计划的详细信息，根据印度储备银行2020年8月6日（解决方案框架1.0）和2021年5月5日（解决方案框架2.0）的通函如下：

 

  卢比。以千万计
  借款人类型 执行清算计划后被归类为标准账户的风险敞口——截至2024年3月31日的状况 (A) 在 (A) 中，在 H1-2025 期间滑入不良贷款的债务总额2 H1-2025 期间注销的 (A) 笔金额 在 H1-2025 期间，借款人支付的（A）笔金额3 执行清算计划后被归类为标准账户的风险敞口 — 2024 年 9 月 30 日
  个人贷款4 1,303.98 48.56 2.25 147.75 1,107.67
  法人人士1 816.58 .. .. 26.03 790.55
  其中，微型企业和中小企业 .. .. .. .. ..
  其他 402.79 4.12 1.10 47.92 350.75
  总计 2,523.35 52.68 3.35 221.70 2,248.97

 

 

1. 包括印度储备银行2023年《商业银行投资组合的分类、估值和运营》指引的过渡影响（自2024年4月1日起生效），金额为27.25亿卢比。

 

 

2. 包括在期间已被注销的案件。

 

 

3. 在期间净增长曝光的净值。

 

 

4. 包括各种类别的零售贷款。

 

4.

根据印度储备银行关于2021年9月24日贷款敞口转移的主管指令，银行出售/收购的贷款详情如下：

 

 

a) 未违约贷款

 

  (i) 2024年9月30日结束的六个月内通过转让出售/收购的未违约贷款详情：

 

  以亿卢比计
    项目 已获得的贷款 已售贷款
    贷款金额 5,767.49 ..
    加权平均剩余期限（年） 8.61 ..
    发起人持有期的加权平均时间（年） 1.01 ..
    发起人保留的经济利益份额 2,186.69 ..
    实体安防-半导体覆盖（次数） 1.59 ..

 

   

1. The Bank has acquired unfunded loans amounting to ₹ 477.69 crore and not sold any unfunded loans for six month ended September 30, 2024 through novation.

 

   

2. In addition, the Bank has not acquired any loan through risk participation from secondary market.

 

   

3. The disclosure includes loans acquired through buyout and co-lending similar to direct assignment.

 

  (ii) Details of rating-wise distribution of the loans sold/acquired under assignment during six months ended September 30, 2024:

 

  ₹ in crore
    Rating Loans acquired Loans sold
    Ind A-, A+, A,A+ 546.97 ..
    ICRA A-,AA- 172.54 ..
    Crisil A,A+,AA 45.25 ..

 

    1. Excluding retail and other unrated loans.
   
 

b) Stressed loans (NPA and Special Mention Account accounts)

 

  (i) Details of stressed loans classified as NPA sold by the Bank during six months ended September 30, 2024:

 

  ₹ in crore
    Particulars To ARCs To permitted transferees
    Number of accounts 12 ..
    Aggregate principal outstanding of loans transferred2 129.89 ..
    Weighted average residual tenor of the loans transferred3 .. ..
    Net book value of loans transferred (at the time of transfer)4 .. ..
    Aggregate consideration 140.98 ..
    Additional consideration realized in respect of accounts transferred in earlier years .. ..

 

   

1. Excess provision reversed to profit and loss account on account of sale of NPAs to ARCs was ₹ 129.89 crore and no amount was transferred to other permitted transferees.

 

   

2. Net of write-off.

 

   

3. For NPAs, the Bank issues loan recall notice and initiates legal proceedings for recovery, due to which the weighted average residual tenor is not applicable.

 

    4. Net of write-off and provisions.

 

  (ii)

The Bank has not sold/acquired loans classified as Special Mention Account during six months ended September 30, 2024.

 

  (iii)

The Bank has not acquired non-performing loans during six months ended September 30, 2024.

 

 

 

     

 

 

 

  (iv) Details of rating-wise distribution of SRs held by the Bank at September 30, 2024:

 

  ₹ in crore
    Rating NAV estimate % Carrying value1
    RR1 Above 100%                                        305.26
    RR2 Above 75% upto 100% ..
    RR3 Above 50% upto 75%                                        234.18
    RR4 Above 25% upto 50% ..
    RR5 Upto 25%                                        657.97
    Total                                       1,197.41

 

   

1. Amount represents net of provisions.

 

   

2. The Bank holds marked-to-market loss of ₹ 332.97 crore and additional provision of ₹ 876.13 crore.

 

5.

At September 30, 2024, the Bank holds contingency provision of ₹ 13,100.00 crore (June 30, 2024, March 31, 2024 and September 30, 2023: ₹ 13,100.00 crore)

.

6.

There are no changes in the significant accounting policies applied during H1-2025 as compared to those applied in FY2024 except for classification and measurement of investments by the Bank. With effect from April 1, 2024, the Bank has implemented Master Direction issued by the RBI on Classification, Valuation and Operation of investment Portfolio of Commercial Banks (Directions), 2023 (‘RBI Directions’) which has introduced significant changes in the basis of classification and accounting of investments and recognition of fair valuation of gains and losses. Accordingly, in standalone financial results, the Bank has accounted net transition gain of ₹ 2,058.31 crore (net of tax) and ₹ 1,156.10 crore (net of tax) in Available for Sale (‘AFS’) Reserve and General Reserve respectively in accordance with the RBI Directions.

 
For the purpose of consolidation, from H1-2025, the domestic group entities (except insurance subsidiaries), have aligned with the Bank’s accounting policies including the aforesaid RBI Directions. Accordingly, the Group has accounted net transition gain of ₹ 2,058.31 crore (net of tax and minority interest) and ₹ 1,408.29 crore (net of tax and minority interest) in AFS Reserve and General Reserve respectively in accordance with the RBI Directions.
Subsequent changes in fair value of performing investments under AFS and Fair Value Through Proft and Loss (‘FVTPL’) (including Held For Trading (‘HFT’)) categories at September 30, 2024 have been recognised through AFS reserve and Profit and Loss account respectively.  Accordingly, the amounts for previous periods are not comparable.

 

7.

During Q2-2025, the Bank has allotted 10,013,046 equity shares of ₹ 2 each pursuant to exercise of employee stock options/units.

 

8.

ICICI Lombard General Insurance Company Limited ceased to be an associate and became a subsidiary of the Bank effective from February 29, 2024. I-Process Services (India) Private Limited ceased to be an associate and became a subsidiary of the Bank effective from March 20, 2024. Subsequently, I-Process Services (India) Private Limited became a wholly-owned subsidiary of the Bank effective from March 22, 2024. Accordingly, the consolidated financial results for Q1-2025, Q2-2025 and H1-2025 are not comparable with the previous period/year.

 

9.

In accordance with RBI guidelines, consolidated Pillar 3 disclosure (unaudited), leverage ratio, liquidity coverage ratio and net stable funding ratio is available at https://www.icicibank.com/regulatory-disclosure.page.

 

10.

Previous period/year figures have been re-grouped/re-classified where necessary to conform to current period classification.

 

11.

The above standalone and consolidated financial results for Q2-2025 and H1-2025 have been reviewed by the joint statutory auditors, B S R & Co. LLP, Chartered Accountants and C N K & Associates LLP, Chartered Accountants. The standalone and consolidated financial results for Q1-2025, H1-2024 and FY2024 were reviewed/audited by the joint statutory auditors, M S K A & Associates, Chartered Accountants and KKC & Associates LLP, Chartered Accountants, on which they had issued unmodified conclusion/opinion.

 

12. ₹ 1.00 crore = ₹ 10.0 million.

 

  For and on behalf of the Board of Directors
   
  /s/ Ajay Kumar Gupta
  Ajay Kumar Gupta
Mumbai Executive Director
October 26, 2024 DIN-07580795

 

 

     

 

 

 

 

B S R & Co. LLP C N K & Associates LLP
Chartered Accountants Chartered Accountants
   
14th Floor, Central B Wing and North C Wing 3rd Floor, Mistry Bhavan,
Nesco IT Park 4, Nesco Center Dinshaw Vachha Road,
Western Express Highway, Goregaon (East) Churchgate
Mumbai – 400 063, India Mumbai- 400 020, India

 

Independent Auditors’ limited review report on unaudited standalone financial results for the quarter ended 30 September 2024 and year to date results for the period from 1 April 2024 to 30 September 2024 of the ICICI Bank Limited pursuant to Regulation 33 and Regulation 52(4) read with Regulation 63 of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015, as amended

 

 

To the Board of Directors of

ICICI Bank Limited

 

1.We have reviewed the accompanying Statement of unaudited standalone financial results of ICICI Bank Limited (hereinafter referred to as ‘the Bank’) for the quarter ended 30 September 2024 and year to date results for the period from 1 April 2024 to 30 September 2024 (‘the Statement’), being submitted by the Bank pursuant to the requirements of Regulation 33 and Regulation 52(4) read with Regulation 63 of the Securities and Exchange Board of India (‘the SEBI’) (Listing Obligations and Disclosure Requirements) Regulations, 2015, as amended (‘the Listing Regulations’), except for the disclosures prescribed by the Reserve Bank of India (the ‘RBI’), relating to Pillar 3 disclosures as at 30 September 2024, including leverage ratio, liquidity coverage ratio and net stable funding ratio under Basel III Capital Regulations as have been disclosed on the Bank's website and in respect of which a link has been provided in Note 9 to the Statement and have not been reviewed by us.

 

2.This Statement, which is the responsibility of the Bank’s management and approved by its Board of Directors, has been prepared in accordance with the recognition and measurement principles laid down in Accounting Standard 25 “Interim Financial Reporting” (‘AS 25’), prescribed under Section 133 of the Companies Act, 2013, read with relevant rules issued thereunder, in so far as they apply to banks, the relevant provisions of the Banking Regulation Act, 1949, the circulars, guidelines and directions issued by the RBI from time to time (‘the RBI Guidelines’) and other accounting principles generally accepted in India, and in compliance with Regulation 33 and Regulation 52(4) read with Regulation 63 of the Listing Regulations. Our responsibility is to issue a report on the Statement based on our review.

 

3.We conducted our review of the Statement in accordance with the Standard on Review Engagements (SRE) 2410 “Review of Interim Financial Information Performed by the Independent Auditor of the Entity”, issued by the Institute of Chartered Accountants of India. A review of interim financial information consists of making inquiries, primarily of persons responsible for financial and accounting matters, and applying analytical and other review procedures. A review is substantially less in scope than an audit conducted in accordance with Standards on Auditing and consequently does not enable us to obtain assurance that we would become aware of all significant matters that might be identified in an audit. Accordingly, we do not express an audit opinion.

 

 

     

 

 

 

 

B S R & Co. LLP C N K & Associates LLP
Chartered Accountants Chartered Accountants
   

 

4.Based on our review conducted as above, nothing has come to our attention that causes us to believe that the accompanying Statement, prepared in accordance with the recognition and measurement principles laid down in the aforesaid accounting standard and other accounting principles generally accepted in India and the RBI guidelines, has not disclosed the information required to be disclosed in terms of Regulation 33 and Regulation 52(4) read with Regulation 63 of the Listing Regulations, including the manner in which it is to be disclosed, or that it contains any material misstatement or that it has not been prepared in accordance with the relevant prudential norms issued by the RBI in respect of income recognition, asset classification, provisioning and other related matters except for the disclosures relating to Pillar 3 disclosures as at 30 September 2024, including leverage ratio, liquidity coverage ratio and net stable funding ratio under Basel III Capital Regulations as have been disclosed on the Bank's website and in respect of which a link has been provided in Note 9 to the Statement and have not been reviewed by us.

 

5.The standalone financial results of the Bank for the three months ended 30 June 2024 were reviewed jointly by the predecessor auditors whose report dated 27 July 2024 had expressed an unmodified conclusion. The standalone financial results of the Bank for the year ended 31 March 2024 were audited jointly by the predecessor auditors whose report dated 27 April 2024 had expressed an unmodified opinion. The standalone financial results of the Bank for corresponding quarter ended 30 September 2023 and corresponding period from 1 April 2023 to 30 September 2023 were reviewed jointly by the predecessor auditors whose report dated 21 October 2023 had expressed an unmodified conclusion.

 

Our review report is not modified in respect of the above matters.

 

For B S R & Co. LLP

Chartered Accountants

Firm Registration no.: 101248W/W-100022

For C N K & Associates LLP

Chartered Accountants

Firm Registration no.: 101961W/W100036

  
     
 

/s/ Ashwin Suvarna

Ashwin Suvarna

Partner

Membership No.: 109503

/s/ Manish Sampat

Manish Sampat

Partner

Membership No.: 101684

  

UDIN: 24109503BKCSLL3444

UDIN: 24101684BKEJKL7904

  
     
Place: Mumbai Place: Mumbai  
Date: 26 October 2024 Date: 26 October 2024  

 

 

 

B S R & Co. LLP C N K & Associates LLP
Chartered Accountants Chartered Accountants
14th Floor, Central B Wing and North C Wing 3rd Floor, Mistry Bhavan,
Nesco IT Park 4, Nesco Center Dinshaw Vachha Road,
Western Express Highway, Goregaon (East) Churchgate
Mumbai – 400 063, India Mumbai- 400 020, India

 

 

Limited review report (unmodified) on unaudited quarterly consolidated financial results and consolidated year-to-date results for quarter ended 30 September 2024 and year to date results for the period from 1 April 2024 to 30 September 2024 of ICICI Bank Limited pursuant to Regulation 33 and Regulation 52(4) read with Regulation 63 of the of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015, as amended

 

To the Board of Directors of

 

ICICI Bank Limited

 

1.We have reviewed the accompanying Statement of unaudited consolidated financial results of ICICI Bank Limited (hereinafter referred to as “the Parent”), and its subsidiaries (the Parent and its subsidiaries together referred to as “the Group”), and its share of the net profit after tax of its associates for the quarter ended 30 September 2024 and year to date results for the period from 1 April 2024 to 30 September 2024 (“the Statement”), being submitted by the Parent pursuant to the requirements of Regulation 33 and Regulation 52(4) read with Regulation 63 of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015, as amended (“Listing Regulations”), except for the disclosures prescribed by the Reserve Bank of India (the 'RBI') relating to consolidated Pillar 3 disclosures as at 30 September 2024, including leverage ratio, liquidity coverage ratio and net stable funding ratio under Basel III Capital Regulations as have been disclosed on the Bank's website and in respect of which a link has been provided in Note 9 to the Statement and have not been reviewed by us.

 

2.This Statement, which is the responsibility of the Parent’s management and approved by the Parent’s Board of Directors, has been prepared in accordance with the recognition and measurement principles laid down in Accounting Standard 25 “Interim Financial Reporting” (“AS 25”), prescribed under Section 133 of the Companies Act, 2013, read with relevant rules issued thereunder, in so far as they apply to banks, the relevant provisions of the Banking Regulation Act, 1949, the circulars, the guidelines and directions issued by the Reserve Bank of India (RBI) (“RBI Guidelines”) and guidelines issued by Insurance Regulatory and Development Authority of India (“IRDAI guidelines”) as applicable, and other accounting principles generally accepted in India and in compliance with Regulation 33 and Regulation 52(4) read with Regulation 63 of the Listing Regulations. Our responsibility is to express a conclusion on the Statement based on our review.

 

3.We conducted our review of the Statement in accordance with the Standard on Review Engagements (SRE) 2410 “Review of Interim Financial Information Performed by the Independent Auditor of the Entity”, issued by the Institute of Chartered Accountants of India. A review of interim financial information consists of making inquiries, primarily of persons responsible for financial and accounting matters, and applying analytical and other review procedures. A review is substantially less in scope than an audit conducted in accordance with Standards on Auditing and consequently does not enable us to obtain assurance that we would become aware of all significant matters that might be identified in an audit. Accordingly, we do not express an audit opinion.

 

We also performed procedures in accordance with the circular issued by the Securities and Exchange Board of India under Regulation 33(8) of the Listing Regulations, to the extent applicable.

 

 

     

 

 

 

 

B S R & Co. LLP C N K & Associates LLP
Chartered Accountants Chartered Accountants
   

 

4.The Statement includes the results of the entities mentioned in Annexure 1.

 

5.Based on our review conducted and procedures performed as stated in paragraph 3 above and based on the consideration of the review reports of the other auditors referred to in paragraph 6 below, nothing has come to our attention that causes us to believe that the accompanying Statement, prepared in accordance with the recognition and measurement principles laid down in the aforesaid Accounting Standard, RBI Guidelines, IRDAI guidelines, as applicable and other accounting principles generally accepted in India, has not disclosed the information required to be disclosed in terms of Regulation 33 and Regulation 52(4) read with Regulation 63 of the Listing Regulations, including the manner in which it is to be disclosed, except for the disclosures relating to consolidated Pillar 3 disclosure as at 30 September 2024, including leverage ratio, liquidity coverage ratio and net stable funding ratio under Basel III Capital Regulations as have been disclosed on the Bank's website and in respect of which a link has been provided in Note 9 to the Statement and have not been reviewed by us.

 

6.We did not review the interim financial information of 6 subsidiaries included in the Statement, whose interim financial information reflect total assets (before consolidation adjustments) of Rs. 466,262.44 crores as at 30 September 2024 and total revenues (before consolidation adjustments) of Rs. 23,869.35 crores and Rs. 44,146.26 crores, total net profit after tax (before consolidation adjustments) of Rs. 2,139.67 crores and Rs. 3,690.04 crores, for the quarter ended 30 September 2024 and for the period from 1 April 2024 to 30 September 2024, respectively, and cash flows (net) of (Rs. 1,717.61) crores for the period from 1 April 2024 to 30 September 2024, as considered in the Statement. These interim financial information have been reviewed by other auditors whose reports have been furnished to us by the Parent’s management and our conclusion on the Statement, in so far as it relates to the amounts and disclosures included in respect of these subsidiaries, is based solely on the reports of the other auditors and the procedures performed by us as stated in paragraph 3 above.

Our conclusion is not modified in respect of this matter.

 

7.Further, 3 subsidiaries whose interim financial information reflects total assets of Rs. 31,390.95 crores (before consolidation adjustments) as at 30 September 2024 and total revenues of Rs. 1,706.17 crores and Rs. 3,340.19 crores (before consolidation adjustments) and total net profit after tax of Rs. 403.95 crores and Rs. 913.97 crores (before consolidation adjustments) for the quarter and half year ended 30 September 2024 respectively and the cash flows (net) of Rs. 2,345.33 crores (before consolidation adjustments) for the period 1 April 2024 to 30 September 2024, as considered in the Statement has been reviewed by only one of the joint auditors of the Bank and our conclusion on the Statement in so far as it relates to the amounts and disclosures included in respect of this subsidiary, is based solely on the review report issued by the said auditors of the subsidiary company and the procedures performed as stated in paragraph 3 above.

Our conclusion is not modified in respect of this matter.

 

 

     

 

 

 

B S R & Co. LLP C N K & Associates LLP
Chartered Accountants Chartered Accountants
   

 

8.The Statement includes the financial information of 9 subsidiaries which have not been reviewed, whose interim financial information reflect total assets (before consolidation adjustments) of Rs. 53,803.29 crores as at 30 September 2024 and total revenue (before consolidation adjustments) of Rs. 859.38 crores and Rs. 1,711.44 crores and total net profit after tax (before consolidation adjustments) of Rs. 184.10 crores and Rs. 376.15 crores for the quarter ended 30 September 2024 and for the period from1 April 2024 to 30 September 2024, respectively, and cash flows (net) (before consolidation adjustments) of (Rs. 41.75) crores for the period from 1 April 2024 to 30 September 2024, as considered in the Statement. The Statement also includes the Group’s share of net profit after tax of Rs. 45.19 crores and Rs. 102.06 crores for the quarter ended 30 September 2024 and for the period from 1 April 2024 to 30 September 2024, respectively in respect of 6 associates, based on their financial information which have not been reviewed. According to the information and explanations given to us by the Parent’s management, these interim financial information are not material to the Group.

Our conclusion is not modified in respect of this matter.

 

9.The joint statutory auditors of ICICI Prudential Life Insurance Company Limited ('ICICI Life'), vide their review report dated 25 October 2024 have expressed an unmodified opinion and have reported in the 'Other Matter' section that ‘The actuarial valuation of liabilities for life policies in force and for policies in respect of which premium has been discontinued but liability exists as at 30 September 2024 is the responsibility of the Company's Appointed Actuary (the ‘Appointed Actuary’). The actuarial valuation of these liabilities for life policies in force and for policies in respect of which premium has been discontinued but liability exists as at 30 September 2024 has been duly certified by the Appointed Actuary and in his opinion, the assumptions for such valuation are in accordance with the guidelines and norms issued by the Insurance Regulatory and Development Authority of India ('IRDAI') and the Institute of Actuaries of India in concurrence with the Authority. The joint auditors have relied upon the Appointed Actuary's certificate in this regard for forming their opinion on the valuation of liabilities for life policies in force and for policies in respect of which premium has been discontinued but liability exists, as contained in the group reporting pack of the Company’.

Our conclusion is not modified in respect of this matter.

 

10.The joint statutory auditors of ICICI Lombard General Insurance Company Limited ('ICICI General'), vide their audit report dated 18 October 2024, have expressed an unmodified opinion and have reported in the 'Other Matter' section that, 'The actuarial valuation of liabilities in respect of Incurred But Not Reported ('IBNR'), Incurred But Not Enough Reported ('IBNER') and Premium Deficiency Reserve ('PDR') is the responsibility of the Company's Appointed Actuary (the 'Appointed Actuary'). The actuarial valuation of these liabilities, that are estimated using statistical methods as at 30 September 2024 has been duly certified by the Appointed Actuary and in his opinion, the assumptions considered by him for such valuation are in accordance with the guidelines and norms issued by the IRDAI and the Institute of Actuaries of India in concurrence with IRDAI. The joint auditors have relied upon the Appointed Actuary's certificate in this regard for forming their opinion on the valuation of liabilities for outstanding claims reserves and PDR contained in the group reporting pack of the Company.’

Our conclusion is not modified in respect of this matter.

 

 

     

 

 

 

B S R & Co. LLP C N K & Associates LLP
Chartered Accountants Chartered Accountants
   

 

11.The consolidated financial results of the Group and its associates for the three months ended 30 June 2024 were reviewed jointly by the predecessor auditors whose report dated 27 July 2024 had expressed an unmodified conclusion. The consolidated financial results of the Group and its associates for the year ended 31 March 2024 were audited jointly by the predecessor auditors whose report dated 27 April 2024 had expressed an unmodified opinion. The Consolidated financial results of the group and its associates for the corresponding quarter ended 30 September 2023 and corresponding period from 1 April 2023 to 30 September 2023 were reviewed jointly by the predecessor auditors whose report dated 21 October 2023 had expressed an unmodified conclusion.

Our conclusion on the Statement is not modified in respect of this matters.

 

 

For B S R & Co. LLP

Chartered Accountants

Firm Registration no.: 101248W/W-100022

For C N K & Associates LLP

Chartered Accountants

Firm Registration no.: 101961W/W100036

  
     
 

/s/ Ashwin Suvarna

Ashwin Suvarna

Partner

Membership No.: 109503
UDIN: 24109503BKCSLN3355

/s/ Manish Sampat

Manish Sampat

Partner

Membership No.: 101684
UDIN: 24101684BKEJKM1958

  
     
Place: Mumbai Place: Mumbai  
Date: 26 October 2024 Date: 26 October 2024  

 

 

 

B S R & Co. LLP C N K & Associates LLP
Chartered Accountants Chartered Accountants
   

 

Annexure 1

 

List of entities included in the statement.

 

Parent Entity

 

1.ICICI Bank Limited

 

Subsidiaries

 

2.ICICI Bank UK PLC

3.ICICI Bank Canada

4.ICICI Securities Limited

5.ICICI Securities Holdings Inc.

6.ICICI Securities Inc.

7.ICICI Securities Primary Dealership Limited

8.ICICI Venture Funds Management Company Limited

9.ICICI Home Finance Company Limited

10.ICICI Trusteeship Services Limited

11.ICICI Investment Management Company Limited

12.ICICI International Limited

13.ICICI Prudential Pension Funds Management Company Limited

14.ICICI Prudential Life Insurance Company Limited

15.ICICI Lombard General Insurance Company Limited

16.ICICI Prudential Asset Management Company Limited

17.ICICI Prudential Trust Limited

18.I-Process Services (India) Private Limited

19.ICICI Strategic Investments Fund

 

Associates

 

20.NIIT Institute of Finance Banking and Insurance Training Limited

21.ICICI Merchant Services Private Limited

22.India Infradebt Limited

23.India Advantage Fund-III

24.India Advantage Fund-IV

25.Arteria Technologies Private Limited

 

 

     

  

 

 

 

 

ICICI Bank Limited

ICICI Bank Towers

Bandra Kurla Complex

Mumbai 400 051

 

News Release October 26, 2024

 

Performance Review: Quarter ended September 30, 2024

 

·Profit before tax excluding treasury grew by 7.9% year-on-year to ₹ 14,810 crore (US$ 1.8 billion) in the quarter ended September 30, 2024 (Q2-2025)

 

·Core operating profit grew by 12.1% year-on-year to ₹ 16,043 crore (US$ 1.9 billion) in Q2-2025

 

·Excluding dividend income from subsidiaries/associates, core operating profit grew by 13.4% year-on-year in Q2-2025

 

·Profit after tax grew by 14.5% year-on-year to ₹ 11,746 crore (US$ 1.4 billion) in Q2-2025

 

·Total period-end deposits grew by 15.7% year-on-year to ₹ 14,97,761 crore (US$ 178.7 billion) at September 30, 2024

 

·Average deposits grew by 15.6% year-on-year to ₹ 14,28,095 crore (US$ 170.4 billion) at September 30, 2024

 

·Average current account and savings account (CASA) ratio was 38.9% in Q2-2025

 

·Domestic loan portfolio grew by 15.7% year-on-year to ₹ 12,43,090 crore (US$ 148.3 billion) at September 30, 2024

 

·Net NPA ratio was 0.42% at September 30, 2024 compared to 0.43% at June 30, 2024

 

·Provisioning coverage ratio on non-performing loans was 78.5% at September 30, 2024

 

·Including profits for the six months ended September 30, 2024 (H1-2025), total capital adequacy ratio was 16.66% and CET-1 ratio was 15.96% on a standalone basis at September 30, 2024

 

 

The Board of Directors of ICICI Bank Limited (NSE: ICICIBANK, BSE: 532174, NYSE: IBN) at its meeting held at Mumbai today, approved the standalone and consolidated accounts of the Bank for the quarter ended September 30, 2024 (Q2- 2025). The statutory auditors have conducted a limited review and have issued an unmodified report on the standalone and consolidated financial statements for the quarter ended September 30, 2024.

 

 

 

 

ICICI Bank Limited

ICICI Bank Towers

Bandra Kurla Complex

Mumbai 400 051

 

Profit & loss account

 

·Profit before tax excluding treasury grew by 7.9% year-on-year to ₹ 14,810 crore (US$ 1.8 billion) in Q2-2025 from ₹ 13,731 crore (US$ 1.6 billion) in the quarter ended September 30, 2023 (Q2-2024)

 

·Core operating profit grew by 12.1% year-on-year to ₹ 16,043 crore (US$ 1.9 billion) in Q2-2025 from ₹ 14,314 crore (US$ 1.7 billion) in Q2-2024

 

·Net interest income (NII) increased by 9.5% year-on-year to ₹ 20,048 crore (US$ 2.4 billion) in Q2-2025 from ₹ 18,308 crore (US$ 2.2 billion) in Q2-2024

 

·The net interest margin was 4.27% in Q2-2025 compared to 4.36% in Q1-2025 and 4.53% in Q2-2024

 

·Non-interest income, excluding treasury, increased by 10.8% year-on-year to ₹ 6,496 crore (US$ 775 million) in Q2-2025 from ₹ 5,861 crore (US$ 699 million) in Q2-2024

 

·Fee income grew by 13.3% year-on-year to ₹ 5,894 crore (US$ 703 million) in Q2-2025 from ₹ 5,204 crore (US$ 621 million) in Q2-2024. Fees from retail, rural and business banking customers constituted about 78% of total fees in Q2-2025

 

·Treasury gains were ₹ 680 crore (US$ 81 million) in Q2-2025 as compared to a treasury loss of ₹ 85 crore (US$10 million) in Q2-2024 reflecting realised and mark-to-market gains in equity and fixed income securities

 

·Provisions (excluding provision for tax) were ₹ 1,233 crore (US$ 147 million) in Q2-2025 compared to ₹ 583 crore (US$ 70 million) in Q2-2024 and ₹ 1,332 (US$ 159 million) in Q1-2025

 

·Profit before tax grew by 13.5% year-on-year to ₹ 15,490 crore (US$ 1.8 billion) in Q2-2025 from ₹ 13,646 crore (US$ 1.6 billion) in Q2-2024

 

·Profit after tax grew by 14.5% year-on-year to ₹ 11,746 crore (US$ 1.4 billion) in Q2-2025 from ₹ 10,261 crore (US$ 1.2 billion) in Q2-2024

 

Credit growth

 

The Bank has revised the presentation of loans to reflect a consolidated view of the business banking portfolio. This comprises all borrowers with a turnover of upto ₹ 750 crore (US$ 90 million), which was earlier reflected in the reported SME and business banking portfolios, rural business credit forming part of the rural portfolio, dealer funding forming part of the retail portfolio and lending to mid-corporates forming part of the corporate portfolio. Over the past few years, the Bank has seen healthy loan growth in this category and has adopted an integrated approach to coverage, credit and delivery to these customers. Aligning with the same, the Bank would be reporting the retail, rural, business banking and corporate portfolios on this revised basis.

 

The net domestic advances grew by 15.7% year-on-year and 4.6% sequentially at September 30, 2024. The retail loan portfolio grew by 14.2% year-on-year and 2.9% sequentially, and comprised 53.0% of the total loan portfolio at September 30, 2024. Including non-fund outstanding, the retail portfolio was 44.9% of the total portfolio at September 30, 2024. The business banking portfolio grew by

 

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ICICI Bank Limited

ICICI Bank Towers

Bandra Kurla Complex

Mumbai 400 051

 

 

30.0% year-on-year and 10.7% sequentially at September 30, 2024. The rural portfolio grew by 16.5% year-on-year and 1.7% sequentially at September 30, 2024. The domestic corporate portfolio grew by 11.8% year-on-year and 4.9% sequentially at September 30, 2024. Total advances increased by 15.0% year-on-year and 4.4% sequentially to ₹ 12,77,240 crore (US$ 152.4 billion) at September 30, 2024.

 

The Bank continued to enhance the use of technology in its operations to provide simplified solutions to customers. About 72% of trade transactions were done digitally in Q2-2025. The volume of transactions done through Trade Online platform grew by 20.0% year-on-year in Q2-2025. The value of the Bank’s merchant acquiring transactions through UPI grew by 27.9% year-on-year in Q2-2025.

 

Deposit growth

 

Total period-end deposits increased by 15.7% year-on-year and 5.0% sequentially to ₹ 14,97,761 crore (US$ 178.7 billion) at September 30, 2024. Period-end term deposits increased by 15.9% year-on-year and 5.5% sequentially to ₹ 8,89,038 crore (US$ 106.1 billion) at September 30, 2024. Average deposits increased by 15.6% year-on-year and 3.6% sequentially to ₹ 14,28,095 crore (US$ 170.4 billion) in Q2-2025. Average current account deposits increased by 10.8% year-on-year and 0.3% sequentially in Q2-2025. Average savings account deposits increased by 10.2% year-on-year and 2.3% sequentially in Q2-2025.

 

With the addition of 90 branches during H1-2025, the Bank had a network of 6,613 branches and 16,120 ATMs & cash recycling machines at September 30, 2024.

 

Asset quality

 

The gross NPA ratio was 1.97% at September 30, 2024 compared to 2.15% at June 30, 2024. The net NPA ratio was 0.42% at September 30, 2024 compared to 0.43% at June 30, 2024. The gross NPA additions were ₹ 5,073 crore (US$ 605 million) in Q2-2025 compared to ₹ 5,916 crore (US$ 706 million) in Q1-2025. Recoveries and upgrades of NPAs, excluding write-offs and sale, were ₹ 3,319 crore (US$ 396 million) in Q2-2025 compared ₹ 3,292 crore (US$ 393 million) in Q1-2025. The net additions to gross NPAs, excluding write-offs and sale, were ₹ 1,754 crore (US$ 209 million) in Q2-2025 compared to ₹ 2,624 crore (US$ 313 million) in Q1-2025. The Bank has written-off gross NPAs amounting to ₹ 3,336 crore (US$ 398 million) in Q2-2025. The provisioning coverage ratio on non-performing loans was 78.5% at September 30, 2024.

 

Excluding NPAs, the total fund based outstanding to all borrowers under resolution as per the various extant regulations/guidelines declined to ₹ 2,546 crore (US$ 304 million) or 0.2% of total advances at September 30, 2024 from ₹ 2,735 crore (US$ 326 million) at June 30, 2024. The Bank holds provisions amounting to ₹ 812 crore (US$ 97 million) against these borrowers under

 

3

 

 

ICICI Bank Limited

ICICI Bank Towers

Bandra Kurla Complex

Mumbai 400 051

 

 

resolution, as of September 30, 2024. In addition, the Bank continues to hold contingency provisions of ₹ 13,100 crore (US$ 1.6 billion) at September 30, 2024.

 

In line with the revised presentation of composition of the loan portfolio, the Bank would be providing the BB and below corporate portfolio from the current quarter onwards. The loan and non-fund based outstanding to performing corporate borrowers rated BB and below was ₹ 3,386 crore (US$ 404 million) at September 30, 2024 compared to ₹ 4,164 crore (US$ 497 million) at June 30, 2024.

 

Capital adequacy

 

Including profits for the six months ended September 30, 2024 (H1-2025), the Bank’s total capital adequacy ratio at September 30, 2024 was 16.66% and CET-1 ratio was 15.96% compared to the minimum regulatory requirements of 11.70% and 8.20% respectively.

 

Consolidated results

 

The consolidated profit after tax increased by 18.8% year-on-year to ₹ 12,948 crore (US$ 1.5 billion) in Q2-2025 from ₹ 10,896 crore (US$ 1.3 billion) in Q2-2024.

 

Consolidated assets grew by 18.4% year-on-year to ₹ 25,16,512 crore (US$ 300.3 billion) at September 30, 2024 from ₹ 21,24,850 crore (US$ 253.6 billion) at September 30, 2023.

 

Key subsidiaries

 

The annualised premium equivalent of ICICI Prudential Life Insurance (ICICI Life) was ₹ 4,467 crore (US$ 533 million) in H1-2025 as compared to ₹ 3,523 crore (US$ 420 million) in H1-2024. Value of New Business (VNB) of ICICI Life increased year-on-year by 4.2% to ₹ 1,058 crore (US$ 126 million) in H1-2025 compared to ₹ 1,015 crore (US$ 121 million) in H1-2024. The VNB margin was 23.7% in H1-2025 compared to 24.6% in FY2024. The profit after tax increased to ₹ 252 crore (US$ 30 million) in Q2-2025 from ₹ 244 crore (US$ 29 million) in Q2-2024.

 

The Gross Direct Premium Income (GDPI) of ICICI Lombard General Insurance Company (ICICI General) increased by 10.4% year-on-year to ₹ 6,721 crore (US$ 802 million) in Q2-2025 from ₹ 6,086 crore (US$ 726 million) in Q2-2024. The combined ratio stood at 104.5% in Q2-2025 compared to 103.9% in Q2-2024. The profit after tax of ICICI General increased by 20.2% to ₹ 694 crore (US$ 83 million) in Q2-2025 from ₹ 577 crore (US$ 69 million) in Q2-2024.

 

The profit after tax of ICICI Prudential Asset Management Company, as per Ind AS, increased to ₹ 694 crore (US$ 83 million) in Q2-2025 from ₹ 501 crore (US$ 60 million) in Q2-2024.

 

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ICICI Bank Limited

ICICI Bank Towers

Bandra Kurla Complex

Mumbai 400 051

 

The profit after tax of ICICI Securities, on a consolidated basis, as per Ind AS, increased to ₹ 529 crore (US$ 63 million) in Q2-2025 from ₹ 424 crore (US$ 51 million) in Q2-2024.

 

5

 

 

ICICI Bank Limited

ICICI Bank Towers

Bandra Kurla Complex

Mumbai 400 051

 

Summary Profit and Loss Statement (as per standalone Indian GAAP accounts)

 

            ₹ crore
  FY2024 Q2-2024 H1-2024 Q1-2025 Q2-2025 H1-2025
  Audited Unaudited Unaudited Unaudited Unaudited Unaudited
Net interest income 74,306 18,308 36,535 19,553 20,048 39,601
Non-interest income 22,949 5,861 11,044 6,389 6,496 12,885
- Fee income 20,796 5,204 10,047 5,490 5,894 11,384
- Dividend income from subsidiaries/associates 2,073 648 939 894 541 1,435
- Other income 80 9 58 5 61 66
Less:            
Operating expense 39,133 9,855 19,378 10,530 10,501 21,031
Core operating profit1 58,122 14,314 28,201 15,412 16,043 31,455
Total net provision 3,643 583 1,875 1,332 1,233 2,565
- Contingency provisions2 - - - - - -
- Other provisions 3,643 583 1,875 1,332 1,233 2,565
Profit before tax excl. treasury 54,479 13,731 26,326 14,080 14,810 28,890
Treasury 93 (85) 167 613 680 1,293
Profit before tax 54,488 13,646 26,493 14,693 15,490 30,183
Less:            
Provision for taxes 13,600 3,385 6,584 3,634 3,744 7,378
Profit after tax 40,888 10,261 19,909 11,059 11,746 22,805

 

1.Excluding treasury

2.The Bank continues to hold contingency provision of ₹ 13,100 crore (US$ 1.6 billion) at September 30, 2024

3.The treasury loss during Q4-2024 includes the impact of transfer of negative balance of ₹ 340 crore (US$ 41 million) in Foreign Currency Translation Reserve related to Bank’s Offshore Unit in Mumbai to profit and loss account in view of the proposed closure of the Unit

4.Prior period numbers have been re-arranged wherever necessary

 

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ICICI Bank Limited

ICICI Bank Towers

Bandra Kurla Complex

Mumbai 400 051

 

 

Summary balance sheet

 

        ₹ crore
  30-Sep-23 31-Mar-24 30-Jun-24 30-Sep-24
  Unaudited Audited Unaudited Unaudited
Capital and liabilities        
Capital 1,401 1,405 1,407 1,409
Employee stock options outstanding 1,078 1,405 1,516 1,651
Reserves and surplus 2,13,570 2,35,589 2,51,071 2,56,480
Deposits 12,94,742 14,12,825 14,26,150 14,97,761
Borrowings (includes subordinated debt) 1,16,758 1,24,968 1,20,147 1,24,493
Other liabilities and provisions 93,231 95,323 92,406 95,064
Total capital and liabilities 17,20,780 18,71,515 18,92,697 19,76,858
         
Assets        

Cash and balances with

Reserve Bank of India

 66,221 89,712 80,439 89,102

Balances with banks and

money at call and short notice

 43,241 50,214 30,224 47,697
Investments 4,13,253 4,61,942 4,75,256 4,79,098
Advances 11,10,542 11,84,406 12,23,154 12,77,240
Fixed assets 10,166 10,860 11,101 11,546
Other assets 77,357 74,381 72,523 72,175
Total assets 17,20,780 18,71,515 18,92,697 19,76,858

 

1.Prior period figures have been re-grouped/re-arranged wherever necessary

 

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ICICI Bank Limited

ICICI Bank Towers

Bandra Kurla Complex

Mumbai 400 051

 

Certain definitions in this release relating to a future period of time (including inter alia concerning our future business plans or growth prospects) are forward-looking statements intended to qualify for the 'safe harbor' under applicable securities laws including the US Private Securities Litigation Reform Act of 1995. Such forward-looking statements involve a number of risks and uncertainties that could cause actual results to differ materially from those in such forward-looking statements. These risks and uncertainties include, but are not limited to statutory and regulatory changes, international economic and business conditions, political or economic instability in the jurisdictions where the Bank has operations or which affect global or Indian economic conditions, increase in nonperforming loans, unanticipated changes in interest rates, foreign exchange rates, equity prices or other rates or prices, our growth and expansion in business, the adequacy of our allowance for credit losses, the actual growth in demand for banking products and services, investment income, cash flow projections, our exposure to market risks, changes in India’s sovereign rating, as well as other risks detailed in the reports filed by us with the United States Securities and Exchange Commission. Any forward-looking statements contained herein are based on assumptions that the Bank believes to be reasonable as of the date of this release. ICICI Bank undertakes no obligation to update forward-looking statements to reflect events or circumstances after the date thereof. Additional risks that could affect our future operating results are more fully described in our filings with the United States Securities and Exchange Commission. These filings are available at www.sec.gov

 

This release does not constitute an offer of securities.

 

For further press queries please email Sujit Ganguli / Kausik Datta at sujit.ganguli@icicibank.com / datta.kausik@icicibank.com or corporate.communications@icicibank.com

 

For investor queries please email Abhinek Bhargava at abhinek.bhargava@icicibank.com or Nitesh Kalantri nitesh.kalantri@icicibank.com or ir@icicibank.com.

1 crore = 10.0 million

 

US$ amounts represent convenience translations at US$1= ₹ 83.80

 

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Annexure

 

Brief Profile of Mr. Vipul Agarwal

 

Mr. Vipul Agarwal is a Chartered Accountant and joined the Bank in July 2006. He has an overall experience of 27 years. During his associate with the Bank, he has held multiple responsibilities across the Risk Management Group. Prior to joining the Bank, he has worked with Bharat Rasayan Limited and Kotak Mahindra Bank Limited. He heads Data Science and Analytics at the Bank.

 

 

ICICI Bank Limited

ICICI Bank Tower,

Bandra-Kurla Complex,

Mumbai – 400 051, India.

Tel: (91) (22) 4008 8900

Email: companysecretary@icicibank.com

Website: www.icicibank.com

CIN: L65190GJ1994PLC021012

Regd. Office: ICICI Bank Tower, Near Chakli Circle,

Old Padra Road, Vadodara 390 007, India

 

 

 

 

SIGNATURE

 

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorised.

  

 

 

   

For ICICI Bank Limited

     
     
Date:

October 26, 2024

   By: /s/ Vivek Ranjan
        Name: Vivek Ranjan
        Title: Assistant General Manager